What happens if I join and decide not to invest during the year?
There is a price promise in place that would mean you would receive back your fee less any commissions that you may have received. If you received no commissions at all you would receive your fee back in full.

As a single member can I register investments in my partner’s name?
A single membership allows you to register investments in your name only. If you want to register investments in your partners name you would need to have the family membership.

How do I receive the commission?
Where possible the commission is reinvested back in to your investment to either reduce the charges or increase the initial amount of the investment. For ongoing trail commission we are unable to reinvest this so this will be sent back to you by way of a cheque.

Do I have to contact the investment companies for application forms?
If you already have an application form we are more than happy to use that. If not you simply have to contact us and we will forward the application form and details to you by first class post.

Do I have to supply original documents for Money Laundering purpose?
The rules insist that we see the originals and we can therefore no accept photocopies. However we only need to see them the once and will keep your details on file to save you having to provide proof each time you invest.

Can I still make savings if I don’t make any new investments this year?
Most definitely. Many of your investments may pay an ongoing trail commission which we will be able to get back to you. This trail commission is usually 0.5% of the fund value and applies to most ISAs, PEPs, some Unit Trusts and Investment Bonds and VCTs. In addition you may find that we are able to make you savings on your existing pension plans and regular saving schemes by getting the ongoing commission reinvested. If in doubt please do not hesitate to ask.

How does this service differ from a usual discount broker?
There are many reasons which are better explained in our company brochure which you can request from us in the Contact Us section. In brief we give back all the commissions rather than keeping a percentage of them making investing cheaper. In addition the newsletters members receive are totally impartial as we do not need to generate any income from them. Therefore we are free to advise clients not to invest if that is our view rather than always plugging new funds. If we recommend a fund it is because we feel it is a worthwhile fund for our clients and not because we earn commission on it.